Учебное пособие 800338

4.If traveller's check is lost ____.

5.Your checks should be in dollars, otherwise ____

6.Keep a record of your checks ___.

7.The sales person will ask you ___.

8.The credit card company sends you a bill ___.

9.If your check bounces ___.

10.Be sure you have enough money ___.

Задание 16. Вставьте предлоги в предложения, затем ответьте на вопросы. Complete the sentences with the correct preposition from the box. Then answer the questions.

4.Is your salary paid directly _ your bank account?

5.Do you ever borrow money_friends?

GRAMMAR PRACTICE

Условные предложения

CONDITIONAL SENTENCES

Future Possible

A conditional sentence has two clauses: the dependent clause beginning with if and the main clause. The dependent clause is in the Present Tense and the main clause is in the Future Tense.

If he studies hard, he will pass his exam.

Present Unreal

In a present-unreal conditional sentence, the dependent clause is in the past tense and the main clause uses would, should, could or might.

If he studied hard, he would pass his exam.

Past Unreal

In a past-unreal conditional sentence, the dependent clause is in the Past Perfect and the main clause uses would have, should have or might have. If he had stud-

ied hard, he would have passed his exam.

111

Задание 17. Поставьте глаголы в скобках в правильной форме. Supply the correct form of the verb in parentheses.

1.If the bank is open, he (take) money.

2.If the bank were open, he (take) money.

3.If the bank had been open, he (take) money.

4.If your checks had not been in dollars, it (take) you a long time to exchange them.

5.If you (run out) of money, you can take it from your bank.

6.If you (have) a credit card, you can travel safely.

7.If you (sell) traveller's checks, it wouldn't have happened.

8.If you (want) to buy a Eurocheque, you should go to an American bank.

9.Credit cards can be cancelled, if they (be lost).

10.If you (take) my advice, you would have carried money safely.

Задание 18. Переведите на английский язык. Translate into English.

1.Если бы наши банки работали позже, они бы привлекали больше клиентов.

2.Если у вас закончились деньги, вы можете взять их в банке.

3.Если бы вы подумали, вы бы не брали с собой столько наличных.

4.Если бы он был внимательнее, он не потерял бы свои чеки.

5.Если меня попросят, я покажу водительское удостоверение.

6.Если бы вы экономили деньги, вы бы смогли поехать в отпуск.

7.Если поезд опоздает, вы не сможете увидеться с друзьями.

8.Если бы я был на вашем месте, я не подписывал бы контракт.

9.Если они придут к соглашению, контракт будет подписан.

10.Если бы вы поторопились, вы бы успели в банк до закрытия.

Задание 19. Напишите, что вы сделаете в случае возникновения этих си-

туаций. Write what you will or may do if the following happens.

Model: If my employer offers me a job in Great Britain, I'll accept.

1.Your organization closes down.

2.You get a new job.

3.You get a chance to do a month's English course in Australia.

4.You fall down and break your leg.

5.You lose your traveller's card.

6.You win a Ferrari in a competition.

7.A friend offers to lend you his car for a month.

8.Your company asks you to learn Chinese.

Let's Laugh a Little

Jones: I say, old man, I'm in a terrible fix. I want some money badly, and I haven't the slightest idea where I'm going to get it from.

Brown: Glad to hear that, boy. I was afraid you wanted to borrow it from me.

112

UNIT 16

OPENING AN ACCOUNT

Topical words

savings account — сберегательный счет

spare money — свободные деньги checking account — чековый счет initial deposit — первоначальный вклад to maintain [men'tern] — сберегать

average daily balance — средний ежедневный баланс cash withdrawal — изъятие денежных средств

to avoid [a'void] — избегать, уклоняться interest — проценты (на капитал) profitable — прибыльный, выгодный application — форма, бланк

deposit ticket [di'pozit]— бланк о взносе депозита, прибыльный ордер passbook ['pa: sbuk]— сберегательная книжка

Задание 1. Прочитайте, переведите и драматизируйте диалог. Read and act the dialogue out:

«Good morning, sir. Can I help you?"

«Yes, I think so. I would like to open an account." «What kind of are you interested in?"

«You see, I have some spare money to put into the bank." «Then you should open either a savings or a checking account." «I'm afraid I know nothing about either of them.

Could you tell me the difference between these two accounts?"

«A small initial deposit is necessary to open a savings account at our bank. If it is more than five hundred dollars and you maintain this amount, then you won't be charged for banking services. Otherwise you will be charged five dollars a month.

So, I must keep a minimum balance of $500, is that correct? «Yes, that's right. Our computers check your average daily balance."

«And will I get a banking card after opening an account?"

«Yes, certainly. And then you can get your money through machine services. You can make deposits, cash withdrawals and balance inquiries with your card. The machine is at work 24 hours a day."

«Oh, it's very convenient. And may I ask what a checking account means?" «Certainly, sir. After opening a checking account you are supposed to maintain

an average daily balance of $1,000." «And what if I fall below this limit?"

113

«Then you would have to pay a service charge of six dollars a month, and besides you will be charged 25cents for each check and the same amount for each cash withdrawal."

«Hmm, I see. And can I avoid it somehow?"

«Yes, of course. It may be done by keeping your $1,000 in your checking account."

«And how much interest do you pay?"

«Interest of 6.5 % is paid when your average daily balance is over $2,500. We credit the interest you've earned automatically to your account."

«Well, it's clear enough, but I intended to put only $1,000 into the account." «Then it would be more profitable for you to open a savings account."

«Okay. I've made up my mind. I will open a savings account with a deposit of one thousand dollars."

«Fine. Will you fill out this application?» The client fills out the application. «Is everything correct?"

«Yes, everything is all right. And now you need to write a deposit ticket for $1,000." «Just a moment."

«Thank you, sir. Here is your pass-book. The bank will pay you 5.5 % interest." «Thank you. You were most helpful."

Задание 2. Answer the questions.

1.What is а savings account?

2.What is required in order not to be charged for banking services?

3.How large is an initial deposit?

4.How much is the charge?

5.What is the minimum daily balance?

6.How could you get your money?

7.When is the machine at work?

8.What is the checking account?

9.What is the average daily balance for checking account?

10.And what if you fall below this limit?

11.How much interest is paid if the daily average balance is over $2,500?

12.What is the payment for each check made out and for each cash with-

drawal?

13.How can you avoid it?

Задание 3. Переведите словосочетания. Give the English for: Сберегательный счет, свободные деньги, первоначальный вклад, банков-

ские операции, средний ежедневный баланс, снятие денег, избегать, более выгодно, в противном случае, прибыльный ордер, давать проценты, иметь наме-

рение, заполнять форму, сберегательная книжка, принимать решение.

Задание 4. Вставьте предлоги, где они необходимы. Insert prepositions where necessary:

1.What kind __ account are you interested ?

2.I know nothing ___ it.

114

3.What is the difference __ them?

4.You would be charged __ banking services.

5.I'll get my money ___ machine services __ my card.

6.You should not fall __ this limit.

7.You would have to pay a service charge __ six dollars.

8.Can I avoid it __ somehow?

9.It may be done__ keeping it.

10.And now fill __ this application.

Задание 5. Игра в переводчика. Act as an interpreter.

A: I would like to open a savings account. Is the initial deposit large?

В: Нет, всего лишь 1000 долларов.

A: Why should I maintain this amount?

В: Иначе вам придется платить за банковские услуги.

A: What do computers check?

В: Наш компьютер подытоживает все соответствующие ежедневные цифры.

A: When could I get my money?

В: Вы можете получить свои деньги в любое время суток, пользуясь на-

шими автоматами.

A: What else is required?

В: Заполните эту форму и приходный ордер.

A: Is there a minimum balance required?

В: Предусматривается, что вы сохраните средний ежедневный баланс в

размере 1000 долларов.

A: What else is required?

В: Вам придется платить 25 центов за каждый выписанный чек и 25 цен-

тов за каждое снятие денег с банковского счета.

A: How much interest do you pay?

В: Если на вашем счету будет не меньше 2500 долларов, вам полагается 6,5 %. A: I would like to open a checking account with a deposit of $1,500. Is

that O. K.?

В: Все в порядке. Вы можете заказать чековые книжки, как только запол-

ните бланк заявления и талон на депозит.

Задание 6. Match the banking terms in A with their definitions in B.

Задание 7. Translate into English.

1.Я хотел бы открыть банковский счет.

2.Мне более выгодно открыть сберегательный счет.

3.Вы должны внести лишь небольшой первоначальный вклад.

4.Если на вашем счету окажется меньше чем 500 долларов, с вас будут удерживать по 5 долларов в месяц.

5.Наш банк требует, чтобы вы сберегали минимальную сумму.

6.Это называется ежедневным балансом.

7.Когда я смогу получить карточку для банковского автомата?

8.Я уже принял решение. Я сделаю вклад в размере 1000 долларов.

9.Заполните, пожалуйста, форму и прибыльный ордер.

10.Если у вас есть вопросы относительно формы, я с радостью вам помогу.

Задание 8. Make the sentences complete.

3.Could you tell me the difference __.

4.I must keep __.

5.What if I fall __.

6.How much interest __.

7.7. You can avoid it __.

8.8. You are supposed to maintain __.

9.It would be more profitable __.

10.Will you fill __.

11.Thank you, you were __.

Задание 9. Read the text about a direct banking service and answer the following questions:

1.Do banks in our country offer services similar to those offered by Bankserve?

2.Which of Bankserve's services would be the most useful for you personally? Bankserve is the banking service for busy people. With a Bankserve check ac-

count you may enjoy the following benefits:

•Competitive interest rates when your account is in credit.

•Interest is calculated daily and added to your account every month.

•You will receive a check book and a $100 check guarantee card.

•You can withdraw up to $500 per day through a network of 1,000 cash machines across the country.

•You can transact all your business over the telephone day and night.

•You can pay bills with just one telephone call.

Задание 10. Составьте диалоги по предложенным ситуациям: Dramatize the situation.

1.You want to open a bank account. Make inquiries about it.

2.You are a clerk at the bank. Give the client all the necessary information concerning opening a savings account.

3.You are a client. You would like to know how to open a checking account.

116

Задание 11. Переведите на русский язык. Translate into Russian.

1.The labor productivity gains recently achieved by British manufacturers have been substantial.

2.Extra output per hour has flowed overwhelmingly from substantial reductions in the hours worked.

3.Among the most frequently used systems are various forms of individual payment — by results schemes and schemes which pay a flat rate and broadly come under the day-work heading.

4.Detailed market research must be undertaken before entering any new

market.

5.A thorough understanding of the distribution system and its options is vital.

6.There are four distribution options: to use a trading company, to use a well-established wholesaler or agent, to set up your own distribution system or to set up your own manufacturing operation.

7.It is also vital to prepare for initial contacts.

8.The central question which management has to resolve is which of the various methods of acquiring commodity is the right one for a particular company at a given time.

9.In spite of the flexibility and availability of allowances, outright purchase has its disadvantages.

10.Cash flow can be predicted, which simplifies budgeting and financial

planning.

Let's Laugh a Little

A:Weren't you upset when the bank went smash?

B:No, I only lost my balance.

117

Список рекомендуемых словарей и пособий

1. Англо-русский коммерческий словарь – справочник. Более 20 тыс. терминов / сост. Анохина И. Г. – М.; Моби, 1992.

2. Англо-русский словарь по экономике и финансам / под. ред. А. В. Аникина. — СПб.: Экономическая школа, 1993.

3.Большой англо-русский и русско-английский словарь по бизнесу / под общ. ред. П. Ф. Петроченко. – М.: Уайли, 1993.

4.Жданова, И. Ф. Русско-английский экономический словарь. – 3-е изд. – М.: Русский язык, 2001.

5.Сдобников, В. В. Начальный курс коммерческого перевода. Английский язык / В. В. Сдобников, А. В. Силяев, С. Н. Чекунова. – М.: АСТ: Вос- ток-Запад, 2006.

6.Добрынина Н. Г. Как правильно составить деловой документ на

английском языке: учеб. пособие. – М.: Изд-во Проспект, 2006.

7.G. Smith, D. Arnold, B. Bizzell. Business strategy and policy. Boston: Houghton Mifflin company, 1988.

8.Business and Economic Development Strategies for Small Communities by F. H. Rice. Small Business Development Center Kansas State University, 1988.

9.W. J. Stolze. Start up. New York: Career Press, 2000.

10.Frederick H. Rice Starting a Home – Based Business. The Kansas Rural Enterprise Institute, 1990.

11.N. C. Siropolis. Small Business Management. Boston: Houghton Mifflin company, 1982.

118

ОГЛАВЛЕНИЕ

119

Учебное издание

Ухина Тамара Федоровна

АНГЛИЙСКИЙ ЯЗЫК ДЛЯ БИЗНЕСА И ДЕЛОВОГО ОБЩЕНИЯ

Учебное пособие

для студентов, обучающихся по специальностям 080502 «Экономика и управление на предприятии (строительство)»,

080801 «Прикладная информатика (в экономике)»,

270302 «Дизайн архитектурной среды»

Подписано в печать 24.04.2009 . Формат 60х84 1/16. Уч.-изд.л. 7,5.

Усл. печ.л. 7,6. Бумага писчая. Тираж 100 экз. Заказ №_____.

_______________________________________________________________

Отпечатано: отдел оперативной полиграфии Воронежского государственного архитектурно-строительного университета

394006 Воронеж, ул. 20-летия Октября, 84